The only limitation on the free version of the utm that I found so far is that you can't have more than 10 IPs active, but nothing stops you from using nat to g

The only limitation on the free version of the utm that I found so far is that you can't have more than 10 IPs active, but nothing stops you from using nat to get around that. The utm itself actually hosts and serves the VPN connection by the way. My phone connects directly to the VPN on my UTM. You'll see a speed hit because of the extra hop unless you put your utm in the cloud. I hope that's helpful :)